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Florida auto insurance — trapped in the ’70s, and you’re paying the price

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In 1971, Florida enacted auto insurance laws designed for a world of muscle cars, pay phones, and gas under 40 cents a gallon. Fifty-four years later, the world has moved on — but our laws haven’t.

Today, Floridians pay nearly $29 billion a year for auto insurance — the highest per-vehicle cost in the country. The average Florida driver pays nearly $2,400 annually, compared to a national average of roughly $1,700. But the real issue isn’t just the price. It’s how unfairly the burden is distributed.

Start with uninsured motorists: over one in five drivers in Florida (20.4%) have no insurance at all, according to the Insurance Research Council. That’s the sixth-highest rate in the U.S., well above the national average of 14%. If you get hit by one of these drivers, your own policy — or your wallet — has to pick up the slack.

Then there are underinsured motorists: drivers who technically meet the state’s minimum legal requirements — just $10,000 in personal injury protection and $10,000 in property damage — but whose coverage isn’t remotely enough to handle the average crash. In the U.S., the average auto accident results in more than $23,000 in damages and injuries, and that figure can be much higher in Florida’s urban areas with high litigation and medical costs.

So, whether you’re hit by someone with no insurance or not nearly enough, the result is the same: you’re on the hook.

It’s like dining at a restaurant where 20% of the guests walked out on their checks, and the rest ordered off the kids’ menu. You ordered responsibly, but the manager just spreads the shortfall across your tab.

This isn’t an accident. We built the system this way.

Florida’s laws make it easy to avoid full participation and expensive to follow the rules. The penalty for driving without insurance? A $150 fine and a brief license suspension, often lifted as soon as the driver pays. Meanwhile, the required minimums haven’t changed in decades and no longer reflect real-world costs.

We know reforms can work. After major tort reform passed in 2023, insurers lowered rates: GEICO by 10.5%, Progressive by 8.1%, and State Farm by 6%. Lawsuits dropped. The system responded. That’s the power of smart policy.

Now it’s time to act again.

The Legislature should fund a university-led research initiative to chart a new course, examining how to responsibly raise coverage limits, reduce uninsured and underinsured driving, and modernize enforcement.

We already have a road map. A 2016 study by Pinnacle Actuarial Resources projected a 5.6% to 8.1% drop in premiums if Florida eliminated PIP and required bodily injury coverage instead. But the same study warned that some low-income or elderly drivers carrying only minimum coverage could see their premiums jump by over 70%.

That’s the challenge. Reform isn’t simple — it’s structural. And it needs data, not dogma.

Florida should also require the Office of Insurance Regulation to publish an annual Best Practices Report, tracking uninsured and underinsured rates, crash costs, claims frequency, and affordability. We regulate hospitals, utilities, and banks with rigor. Why not the second-largest household expense for Florida families?

Other states offer lessons:

— Oklahoma slashed its uninsured driver rate from 26% to under 12% using license plate readers and real enforcement.

— Tennessee used the same tools but failed to close enforcement loopholes. Its uninsured rate is back above 20%.

— Texas encourages usage-based insurance. Drivers who opt in and drive safely can save up to 30%.

Florida could go even further: let drivers enroll in telematics programs to power usage-based insurance as an alternative to paying state traffic fines. Reward good behavior instead of just punishing bad driving.

The truth is, our auto insurance system isn’t expensive because insurers are greedy. It’s expensive because our laws are outdated, enforcement is weak, and risk is unfairly shared between the insured and the unaccountable.

Every month, responsible drivers pay their premiums and hope it’s enough. But in Florida, they’re playing a game of financial Russian roulette. The odds? One in five drivers is uninsured, and many more are dangerously underinsured.

This isn’t a system. It’s a rigged gamble. And Tallahassee knows it.

We have the data. We have success stories. What we lack is the courage to fix a system that punishes the responsible and protects the reckless.

___

Former Sen. Jeff Brandes is the founder and president of the Florida Policy Project.


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Debra Tendrich turns ‘pain into policy’ with sweeping anti-domestic violence proposal

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Florida could soon rewrite how it responds to domestic violence.

Lake Worth Democratic Rep. Debra Tendrich has filed HB 277, a sweeping proposal aimed at modernizing the state’s domestic violence laws with major reforms to prevention, first responder training, court safeguards, diversion programs and victim safety.

It’s a deeply personal issue to Tendrich, who moved to Florida in 2012 to escape what she has described as a “domestic violence situation,” with only her daughter and a suitcase.

“As a survivor myself, HB 277 is more than legislation; it is my way of turning pain into policy,” she said in a statement, adding that months of roundtables with survivors and first responders “shaped this bill from start to finish.”

Tendrich said that, if passed, HB 277 or its upper-chamber analogue (SB 682) by Miami Republican Sen. Alexis Calatayud would become Florida’s most comprehensive domestic violence initiative, covering prevention, early intervention, criminal accountability and survivor support.

It would require mandatory strangulation and domestic violence training for emergency medical technicians and paramedics, modernize the legal definition of domestic violence, expand the courts’ authority to order GPS monitoring and strengthen body camera requirements during investigations.

The bill also creates a treatment-based diversion pathway for first-time offenders who plead guilty and complete a batterers intervention program, mental-health services and weekly court-monitored progress reporting. Upon successful completion, charges could be dismissed, a measure Tendrich says will reduce recidivism while maintaining accountability.

On the victim-safety side, HB 277 would flag addresses for 12 months after a domestic-violence 911 call to give responders real-time risk awareness. It would also expand access to text-to-911, require pamphlets detailing the medical dangers of strangulation, authorize well-check visits tied to lethality assessments, enhance penalties for repeat offenders and include pets and service animals in injunctions to prevent coercive control and harm.

Calatayud called it “a tremendous honor and privilege” to work with Tendrich on advancing policy changes “that both law enforcement and survivors of domestic abuse or relationship violence believe are meaningful to protect families across our communities.”

“I’m deeply committed to championing these essential reforms,” she added, saying they would make “a life-or-death difference for women and children in Florida.”

Organizations supporting HB 277 say the bill reflects long-needed, practical reform. Palm Beach County firefighters union IAFF Local 2928 said expanded responder training and improved dispatch information “is exactly the kind of frontline-focused reform that saves lives.”

The Florida Police Benevolent Association called HB 277 a “comprehensive set of measures designed to enhance protections” and pledged to help advance it through the Legislature.

The Animal Legal Defense Fund praised provisions protecting pets in domestic violence cases, noting research showing that 89% of women with pets in abusive relationships have had partners threaten or harm their animals — a major barrier that keeps victims from fleeing.

Florida continues to see high levels of domestic violence. The National Coalition Against Domestic Violence estimates that 38% of Florida women and 29% of Florida men experience intimate-partner violence in their lifetimes — among the highest rates in the country.

With costs rising statewide, HB 277 also increases relocation assistance through the Crimes Compensation Trust Fund, which advocates say is essential because the current $1,500 cap no longer covers basic expenses for victims fleeing dangerous situations.

Tendrich said survivors who contributed to the bill, which Placida Republican Rep. Danny Nix is co-sponsoring, “finally feel seen.”

“This bill will save lives,” she said. “I am proud that this bill has bipartisan support, and I am even more proud of the survivors whose bravery drives every line of this legislation.”



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Ash Marwah, Ralph Massullo battle for SD 11 Special Election

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Even Ash Marwah knows the odds do him no favors.

A Senate district that leans heavily Republican plus a Special Election just weeks before Christmas — Marwah acknowledges it adds up to a likely Tuesday victory for Ralph Massullo.

The Senate District 11 Special Election is Tuesday to fill the void created when Blaise Ingoglia became Chief Financial Officer.

It pits Republican Massullo, a dermatologist and Republican former four-term House member from Lecanto, against Democrat Marwah, a civil engineer from The Villages.

Early voter turnout was light, as would be expected in a low-key standalone Special Election: At 10% or under for Hernando and Pasco counties, 19% in Sumter and 15% in Citrus.

Massullo has eyed this Senate seat since 2022 when he originally planned to leave the House after six years for the SD 11 run. His campaign ended prematurely when Gov. Ron DeSantis backed Ingoglia, leaving Massullo with a final two years in office before term limits ended his House career.

When the SD 11 seat opened up with Ingoglia’s CFO appointment, Massullo jumped in and a host of big-name endorsements followed, including from DeSantis, Ingoglia, Agriculture Commissioner Wilton Simpson, U.S. Sens. Ashley Moody and Rick Scott, four GOP Congressmen, county Sheriffs in the district, and the Florida Chamber of Commerce.

The Florida LGBTQ+ Democratic Caucus is endorsing Marwah.

Marwah ran for HD 52 in 2024, garnering just 24% of the vote against Republican John Temple

Massullo has raised $249,950 to Marwah’s $12,125. Massullo’s $108,000 in spending includes consulting, events and mail pieces. One of those mail pieces reminded voters there’s an election.

The two opponents had few opportunities for head-to-head debate. The League of Women Voters of Citrus County conducted a SD 11 forum on Zoom in late October, when the two candidates clashed over the state’s direction.

Marwah said DeSantis and Republicans are “playing games” in their attempts to redraw congressional district boundaries.

“No need to go through this expense,” he said. “It will really ruin decades of progress in civil rights. We should honor the rule of law that we agreed on that it’ll be done every 10 years. I’m not sure why the game is being played at this point.”

Massullo said congressional districts should reflect population shifts.

“The people of our state deserve to be adequately represented based on population,” he said. “I personally do not believe we should use race as a means to justify particular areas. I’m one that believes we should be blind to race, blind to creed, blind to sex, in everything that we do, particularly looking at population.”

Senate District 11 covers all of Citrus, Hernando and Sumter counties, plus a portion of northern Pasco County. It is safely Republican — Ingoglia won 69% of the vote there in November, and Donald Trump carried the district by the same margin in 2024.



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Miles Davis tapped to lead School Board organizing workshop at national LGBTQ conference

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Miles Davis is taking his Florida-focused organizing playbook to the national stage.

Davis, Policy Director at PRISM Florida and Director of Advocacy and Communications at SAVE, has been selected to present a workshop at the 2026 Creating Change Conference, the largest annual LGBTQ advocacy and movement-building convention.

It’s a major nod to his rising role in Florida’s LGBTQ policy landscape.

The National LGBTQ Task Force, which organizes the conference, announced that Davis will present his session, “School Board Organizing 101.” His proposal rose to the top of more than 550 submissions competing for roughly 140 slots, a press note said, making this year’s conference one of the most competitive program cycles in the event’s history.

His workshop will be scheduled during the Jan. 21-24 gathering in Washington, D.C.

Davis said his selection caps a strong year for PRISM Florida, where he helped shepherd the organization’s first-ever bill (HB 331) into the Legislature. The measure, sponsored by Tampa Democratic Rep. Dianne Hart, would restore local oversight over reproductive health and HIV/AIDS instruction, undoing changes enacted under a 2023 expansion to Florida’s “Parental Rights in Education” law, dubbed “Don’t Say Gay” by critics.

Davis’ workshop draws directly from that work and aims to train LGBTQ youth, families and advocates in how local boards operate, how public comment can shape decisions and how communities can mobilize around issues like book access, inclusive classrooms and student safety.

“School boards are where the real battles over student safety, book access, and inclusive classrooms are happening,” Davis said. “I’m honored to bring this training to Creating Change and help our community build the skills to show up, speak out, and win — especially as PRISM advances legislation like HB 331 that returns power to our local communities.”

Davis’ profile has grown in recent years, during which he jumped from working on the campaigns and legislative teams of lawmakers like Hart and Miami Gardens Democratic Sen. Shevrin Jones to working in key roles for organizations like America Votes, PRISM and SAVE.

The National LGBTQ Task Force, founded in 1973, is one of the nation’s oldest LGBTQ advocacy organizations. It focuses on advancing civil rights through federal policy work, grassroots engagement and leadership development.

Its Creating Change Conference draws thousands for four days of training and strategy-building yearly, a press note said.



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